800-224-0276

CapitalTrade

Enhance Your Lending Relationship With Trade Credit Insurance

We are CapitalTrade, and we are the trusted partner looking out for both yours and your customers’ interests.

How Credit Insurance Helps the Bank

Catastrophic Risk Protection

  • Guarantees largest unsecured assets in borrowing base
  • Eliminates caps to concentrated AR
  • Guarantees completely UNSECURED and volatile assets

General Loss Prevention

  • You underwrite borrower, credit insurer underwrites borrowers customers
  • Credit insurer knows more about borrowers customers than the bank
  • Credit insurer knows more about borrowers customers than D&B

Sales Expansion

  • Most companies main objective is sales expansion
  • Allows you to include more AR in borrowing base
  • Creates better long term partnership to fund growth opportunities

Bank Financing

  • Enables you to bring more companies into the bank
  • Enables borrowers to move up in the bank
  • Keeps borrowers in the bank

How Credit Insurance Helps the Borrower

Catastrophic Risk Protection

  • Prevents disruption of losses to one of the company’s largest, unprotected assets
  • Reduction of Risk of Key Account concentration levels
  • Caps exposure to Bad Debt Loss

General Loss Prevention

  • Support for Credit Risk Evaluation
  • Provides a structure and discipline for credit decision making
  • Reduction in bad debt reserves frees up working capital

Sales Expansion

  • Expand sales into new markets-foreign and domestic
  • Grow existing accounts

Bank Financing

  • Access more capital at reduced rates
  • Less personal assets required from owner, using business assets instead
  • Borrow against receivables and concentrations

Credit Insurance PROVIDES SAFER LOANS-banks would never lend against uninsured buildings, inventory, other assets-why AR??

The bank can be named beneficiary of the policy protecting the receivables on the loan or the policyholder can retain that status. Enhance your lending relationship with trade credit insurance. The more insured customers are against loss, the better they perform at the bank. You need a trusted partner who will look out for both yours and your customers’ interests. We are CapitalTrade, and we are the trusted partner for lenders just like you.